Personal Finance
Update Mobile & Email: Aadhaar, PAN, Bank, EPFO (2027)
Change your mobile number and email across Aadhaar, PAN, bank accounts and EPFO/UAN in 2027 — the exact online steps, fees, OTP requirements and stuck-case fixes.
Think about how many times a day your phone buzzes with an OTP. Bank transfer, Aadhaar authentication, PF withdrawal — everything runs on that one mobile number. Change your number or email, and suddenly half those services stop working.
The tricky part? You can’t just update it in one place and call it done. You need to hit Aadhaar, PAN, your bank, and EPFO separately. Each has its own process.
Below is exactly how to handle each one, step by step.
How can I update my mobile number in Aadhaar online? Download the UIDAI Aadhaar app from Play Store or App Store, register with face ID, go to Services > Mobile Number Update, enter your new number, verify via OTP, complete face authentication, and pay ₹75.
What is the fee for PAN card correction in 2026? PAN correction fees range from approximately ₹101 to ₹107 inclusive of GST. Protean (NSDL) charges ₹101 and UTIITSL charges ₹107 for a physical PAN card with e-PAN.
Can I change my email ID in EPFO without employer approval? Yes, you can change your mobile number and email in EPFO without employer approval. Log in to the EPFO member portal, go to Manage > Contact Details, enter your new details, get an authorization PIN, and save.
How do I change my mobile number in SBI online? Log in to OnlineSBI, click Change Mobile Number, enter your new number, then visit any SBI ATM to approve the request via the IRATA process. Swipe your card, go to Services > Others > Internet Banking Request Approval, and enter the reference number.
Can I update Aadhaar mobile number without old registered number? No, if you have lost access to your old registered mobile number, you must visit an Aadhaar Seva Kendra in person. There is no online option. Carry your Aadhaar letter and valid ID for biometric verification.
What is the Instant e-PAN update process? Visit incometax.gov.in/iec/foportal/, click Instant e-PAN > Update PAN, enter your Aadhaar number, verify via OTP. Your Aadhaar-linked mobile number and email will sync to PAN automatically within minutes.
Key takeaways
- Update Aadhaar mobile numbers online at myaadhaar.uidai.gov.in with an OTP to the OLD number; a fresh number needs a biometric visit to an enrolment centre.
- PAN mobile and email updates go through the e-filing portal profile page — most details now require Aadhaar OTP authentication.
- Bank mobile changes are branch or app based; net-banking and ATM routes vary by bank, and the new number must be OTP-verified.
- EPFO mobile changes ride on the UAN: either OTP-verify at the member portal or have the employer update it in the ECR.
- Do Aadhaar first — every other portal increasingly authenticates through it.
- Old numbers stop receiving OTPs the day they are deactivated; start updates before surrendering a SIM.
1. Update Mobile Number and Email in Aadhaar
Aadhaar is where most of your financial identity lives. Get this right first, and the rest gets easier.
If you still have your old number
The Aadhaar app (launched January 2026) lets you update from home:
1. Download the Aadhaar app from the Play Store or App Store
1. Register with your Aadhaar number, registered mobile, and face ID
1. Go to Services > Mobile Number Update
1. Enter your new number and tap Send OTP
1. Enter the OTP that arrives on your new number
1. Do the face authentication — put your face in the red box and blink when asked
1. Pay ₹75
1. The update takes up to 30 days to process
If you have lost access to your old number
You will need to visit an Aadhaar Seva Kendra in person. There is no online workaround for this. Find the nearest centre here: https://bhuvan-app3.nrsc.gov.in/aadhaar/
- Carry your Aadhaar letter and a valid ID
- They will do biometric verification at the centre
- Fee is ₹75 (same as the app)
Note: As of 2026, the myAadhaar portal only allows address updates online. Name, DOB, and mobile number still need either the app or a physical visit.
Update email in Aadhaar
If you have your registered mobile, email is simpler:
1. Go to https://myaadhaar.uidai.gov.in
1. Log in with your Aadhaar number and OTP
1. Go to Update Aadhaar > Update Demographics Data
1. Pick Email and enter the new one
1. Verify with OTP
1. No fee
2. Update Mobile Number and Email in PAN
Your PAN is needed for tax filings, high-value transactions, and KYC. Outdated contact details mean you might miss important tax communications.
PAN correction (online)
You can do this through Protean eGov (formerly NSDL) or UTIITSL. The process is identical:
1. Go to https://onlineservices.proteantech.in or https://www.pan.utiitsl.com
1. Select “Changes or Correction in Existing PAN Data”
1. Enter your PAN, DOB, and basic details to get a token
1. Check the boxes for mobile number and/or email
1. Choose Aadhaar e-KYC (paperless)
1. Verify with the OTP sent to your Aadhaar-linked mobile
1. Enter your new mobile number or email
1. Pay approximately ₹101–₹107 inclusive of GST (₹101 at Protean/NSDL, ₹107 at UTIITSL)
1. Submit with e-Sign
Your updated PAN card arrives in 15–20 working days.
Faster option: Instant e-PAN
If your PAN and Aadhaar are already linked, this takes minutes:
1. Visit https://www.incometax.gov.in/iec/foportal/
1. Click Instant e-PAN > Update PAN
1. Enter your Aadhaar number and verify via OTP
1. Your Aadhaar-linked mobile and email sync to PAN automatically
1. You will get a confirmation SMS and email
This only works for mobile and email. Name or DOB changes need the full process above.
3. Update Mobile Number and Email in Bank Accounts
Banks need your current contact details for transaction alerts, statements, and OTPs. The process varies by bank — here is how the big ones handle it.
HDFC Bank
- Online through Insta Services on the HDFC website
- You will need to verify via Aadhaar e-KYC, and your new number must match what is on your Aadhaar
- Or visit a branch with the Contact Details Updation Form and ID proof
- Through NetBanking: Go to Profile > Update Email ID
- Or through InstaServices using your registered mobile + DOB/PAN
- Verify the new email with an OTP sent to it
- You will need your debit card details for final confirmation (last 4 digits, expiry, CVV)
- Takes about 48 hours
State Bank of India (SBI)
- Log in to OnlineSBI and click “Change Mobile Number”
- Enter your new number
- Here is the catch — you must approve this at an SBI ATM using IRATA
- Visit any SBI ATM, swipe your card, enter PIN, go to Services > Others > Internet Banking Request Approval
- Enter the 10-digit reference number you received via SMS
- Log in to OnlineSBI, go to My Profile > Personal Details > Update Email ID
- Verify with OTP sent to your registered mobile
- Confirmation comes via SMS
ICICI Bank
- Can only be done by visiting the branch in person
- Fill the account update form and submit with ID proof
- Log in to Internet Banking, go to Customer Service > Service Requests > Update E-mail ID
- Enter the new email and verify via OTP
- Updated within 1 working day
Quick tips for any bank
- Most banks now insist your new mobile number matches your Aadhaar for online updates
- Keep your debit card handy — you will likely need the last 4 digits, expiry, and CVV
- If the online route fails, just visit the branch with a filled form, self-attested ID, and your passbook
- Email updates are almost always easier than mobile number changes
4. Update Mobile Number and Email in EPFO (UAN)
Your EPFO account needs the right mobile number for PF withdrawal, advances, and KYC. Every important action sends an OTP to your registered number.
Update your mobile number in EPFO
1. Go to https://unifiedportal-mem.epfindia.gov.in/memberinterface/
1. Log in with your UAN and password
1. Click Manage > Contact Details
1. Check “Change Mobile No.” or “Change E-mail ID”
1. Enter your new mobile number twice (or the new email)
1. Click “Get Authorization Pin” — a 4-digit PIN is sent to your new number or email
1. Enter the PIN and click “Save Changes”
1. Done. Updates are instant.
Forgot password or lost your old number?
1. On the EPFO login page, click “Forgot Password”
1. Enter your UAN and Aadhaar number
1. Verify with OTP on your new mobile number
1. Set a new password
1. Your new number gets registered automatically
Things to know
- Your Aadhaar must be linked to your UAN. If it is not, the update will not go through
- If the details you enter do not match Aadhaar, the update gets rejected
- Good news: you do not need employer approval for mobile or email changes (that is only for name and DOB)
Quick Comparison Table
6 of 6 rows
| Portal | Fee (Mobile) | Fee (Email) | Online? | Aadhaar Required? | Processing Time |
|---|---|---|---|---|---|
| Aadhaar | ₹75 | Free | Yes (app) / No (web) | Yes | Up to 30 days |
| PAN | ₹101–₹107 | ₹101–₹107 | Yes | Yes (for e-KYC) | 15–20 working days |
| HDFC Bank | Free | Free | Yes | Yes (mobile only) | 48 hours |
| SBI | Free | Free | Yes (needs ATM approval) | Yes (mobile only) | 24–48 hours |
| ICICI Bank | Free | Free | Email only (mobile needs branch) | No (branch visit for mobile) | 1 working day |
| EPFO | Free | Free | Yes | Yes (UAN must be linked) | Instant |
What to Do First
1. Start with Aadhaar. Most other updates depend on your Aadhaar-linked number being current.
1. Sync PAN with Aadhaar using Instant e-PAN — it is the quickest route.
1. Do banks next. Online updates are mostly Aadhaar-based now, so your new number has to match.
1. EPFO is the easiest. Once you log in, the update is instant.
1. Save your acknowledgment numbers and note the dates you made each change.
Final Word
Updating your contact details across Aadhaar, PAN, banks, and EPFO sounds like a lot of running around. But honestly? Once Aadhaar is sorted, everything else falls in line quickly. Most of it can be done without leaving home.
Set aside an hour, get it done, and you will not have to deal with that sinking feeling when an OTP lands on a number you no longer use.
This is for educational purposes only. Procedures and fees may change. Check the official portals before starting. Consult a qualified financial advisor for personalized advice.
Frequently asked questions
Can I change my Aadhaar mobile number online without the old number?
No — the online route OTPs the currently registered number. If that SIM is gone, book an enrolment-centre visit for a biometric update, or use the IVRS-based mAadhaar re-verification route where offered.
How do I update my mobile number in EPFO?
Log in to the UAN member portal with the current OTP, update the mobile under profile settings, or ask your employer to correct it through the ECR. Without a working UAN mobile, PF withdrawals stall.
What should I update first after changing my phone number?
Aadhaar first, because PAN, banks and most government services authenticate through it — then your primary bank, then EPFO, then trading and mutual fund folios.
What is the fee for a PAN card correction in 2027?
Around ₹101 to ₹107 inclusive of GST for a physical card with e-PAN — Protean (NSDL) charges ₹101 and UTIITSL ₹107.
How do I change my mobile number in SBI online?
Request the change in OnlineSBI (Change Mobile Number), then approve it at any SBI ATM via Services > Others > Internet Banking Request Approval with the reference number. The branch route works too.
About the author
Om Patel is an investor, blogger and entrepreneur. Every guide is educational, not personalised advice; rates and rules are cited to official sources and reviewed with a visible date.
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